Amica vs. Liberty Mutual: Which Is the Best? (2025)
Both Amica and Liberty Mutual are excellent options for car insurance. The best company for you will depend on your insurance needs and budget.
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If you’re looking for a car insurance policy, you might explore Amica and Liberty Mutual. Known as the oldest mutual automotive insurer in the U.S., Amica is a smaller auto insurance company with excellent customer satisfaction ratings and 24/7 claims processing.[?] Despite this, its advertised discounts aren’t available everywhere.
Liberty Mutual, which also sells home insurance, renters insurance, and other products, is the sixth-largest car insurance company in the U.S. by market share. It offers a lifetime repair guarantee and an accident forgiveness program for an additional cost but has many negative customer reviews.[?]
Here’s a closer look at how Amica compares to Liberty Mutual so you can make an informed decision and choose the right insurer for your unique situation.
Quick Facts
In general, Liberty Mutual offers cheaper car insurance rates than Amica.
Amica has more discounts than Liberty Mutual, so you can still lock in affordable coverage through the insurer.
While Amica holds an A+ (Superior) financial stability rating with AM Best, Liberty Mutual earned an A (Excellent) rating.
Amica vs. Liberty Mutual: The verdict
When it comes to cheap car insurance, Liberty Mutual is the clear winner, as its premiums are lower than Amica’s across most driver demographics, including teens, seniors, and military personnel. However, Amica advertises more discounts — they’re only available in select states but may help reduce car insurance costs.
While both Amica and Liberty Mutual offer 24/7 roadside assistance and typical coverage levels, like liability insurance and full coverage, Liberty Mutual stands out for its accident forgiveness program, which won’t increase your rates after your first accident.
As far as financial strength and financial support, Amica excels over Liberty Mutual. While Amica earned an A+ (Superior) financial strength rating from AM Best, Liberty Mutual lags a bit behind with an A (Excellent) rating.[?]
Factor  | Amica | Liberty Mutual |
|---|---|---|
| Insurify Quality Score | 8.6 | 7.7 |
| J.D. Power customer satisfaction score | 833 out of 1,000 | 799 out of 1,000 |
| Average quote: liability only | $287 | $161 |
| Number of available discounts | 18 | 13 |
| Number of states where it operates | 49 | 50 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Amica
Based in Rhode Island and founded in 1907 as Automobile Mutual Insurance Company of America, Amica Mutual Insurance Company offers a variety of car insurance products as well as discounts for policyholders.
Liberty Mutual
Boston-based Liberty Mutual debuted in 1912 and is known as the sixth-largest car insurance company. The company’s offerings include an accident forgiveness program and lifetime repair guarantee.
Amica StreetSmart vs. Liberty Mutual RightTrack
Amica StreetSmart is a telematics program that can reward you for driving safely. In addition to discounts on your rates, you may earn rewards based on your driving habits. You can redeem these rewards for charitable donations or gift cards from popular retailers like Amazon and Target. The discount you’ll receive will depend on your StreetSmart score after driving with the mobile app for 91 days.[?]
RightTrack is Liberty Mutual’s telematics program, which involves an app or plug-in device you can place in your vehicle. After participating in RightTrack for 90 days, you’ll qualify for a premium discount of up to 30%, as long as you prove you’re a safe driver. You might also secure a 10% discount just for signing up.[?]
Amica vs. Liberty Mutual: Which is the cheapest?
Liberty Mutual is the cheapest car insurance company of the two. But your particular rates will depend on a variety of factors, including your location, age, driving record, and credit history.
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Liberty Mutual: Cheapest for drivers with a clean driving record
Liberty Mutual offers the lowest rates for drivers with a clean record, free of serious traffic violations like speeding tickets and DUIs.
Driver Type | Amica | Liberty Mutual |
|---|---|---|
| Clean driving record | $287 | $161 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Liberty Mutual: Cheapest for drivers with a speeding ticket
Liberty Mutual’s premiums are the cheapest for drivers with a speeding ticket.
Driver Type | Amica | Liberty Mutual |
|---|---|---|
| Drivers with a speeding ticket | $413 | $204 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Liberty Mutual: Cheapest for teen drivers
Teen drivers and young drivers with limited experience behind the wheel can expect lower rates with Liberty Mutual.
Driver Type | Amica | Liberty Mutual |
|---|---|---|
| 18-year-old | $550 | $276 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Liberty Mutual: Cheapest for drivers with bad credit
Liberty Mutual offers the cheapest premiums for drivers with bad credit scores.
Driver Type | Amica | Liberty Mutual |
|---|---|---|
| Drivers with bad credit | $350 | $186 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Liberty Mutual: Cheapest for senior drivers
Senior drivers can find more affordable car insurance coverage with Liberty Mutual.
Driver Type | Amica | Liberty Mutual |
|---|---|---|
| Senior drivers | $204 | $131 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare coverages: Amica vs. Liberty Mutual
Amica and Liberty Mutual both offer these main coverages:
Unlike Amica, Liberty Mutual offers accident forgiveness to ensure your rates stay the same after your first automobile accident. However, Amica’s lineup of coverage options and add-ons is unique because it includes glass coverage, which will repair or replace your damaged windshield and windows without a deductible.[?] [?]
Coverage | Amica | Liberty Mutual |
|---|---|---|
| Glass coverage | Yes | No |
| Roadside assistance | Yes | Yes |
| Rental car reimbursement | Yes | Yes |
| Accident forgiveness | No | Yes |
| Better car replacement | Yes | Yes |
| Gap coverage | Yes | Yes |
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Compare discounts: Amica vs. Liberty Mutual
Discounts can help you secure lower car insurance rates. Even though Amica has more expensive premiums, it offers more discounts than Liberty Mutual. You can work with a local agent or visit each insurance company’s website for more information about them.
Here’s a look at the various discounts each car insurance company offers.[?] [?]
Discount | Amica | Liberty Mutual |
|---|---|---|
| Clean driving record | Yes | Yes |
| Defensive driving course | Yes | No |
| Multi-policy | Yes | Yes |
| Multi-car | Yes | Yes |
| Low mileage | Yes | No |
| Telematics (safe driving app) | Yes | Yes |
| Anti-theft device | Yes | No |
| New car | No | No |
| Military/affiliation | No | Yes |
| Good student | Yes | Yes |
| Loyalty | Yes | No |
| Auto pay | Yes | Yes |
| Student away at school | Yes | Yes |
| Homeowner | Yes | Yes |
| Alternative fuel | No | No |
Amica vs. Liberty Mutual FAQs
Deciding which insurer is best for you can be challenging. Below, you’ll find answers to some of the most commonly asked questions about Amica and Liberty Mutual.
Is Amica the best insurance company?
Amica earned a A+ (Superior) financial strength rating from AM Best, which means it’s a car insurance company that meets its financial obligations. However, the best insurer and policy for you depends on your budget, needs, and preferences.
How does Liberty Mutual rank as an insurance company?
Liberty Mutual is the sixth-largest car insurance company and is considered one of the top insurance companies for its high marks. It also earned high customer service ratings from J.D. Power and ranks on Fortune’s 100 list of largest corporations in the U.S.
Why is Liberty Mutual so cheap?
Liberty Mutual’s large market share and various discounts, including bundling discounts for pairing car insurance with homeowners insurance, allow it to offer cheap car insurance and competitive rates to policyholders.
What are the key differences between Amica and Liberty Mutual in terms of coverage?
Liberty Mutual offers accident forgiveness, while Amica Insurance has glass coverage.
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